Form 5500 · Employee benefit plan · MIDLAND, MI
THE DOW CHEMICAL COMPANY
The filing calls this plan THE DOW CHEMICAL COMPANY GROUP LIFE INSURANCE PROGRAM.
Public Form 5500 records show how THE DOW CHEMICAL COMPANY of MIDLAND, MI, a manufacturing employer, structures its employee benefits. Coverage is written through METROPOLITAN LIFE INSURANCE COMPANY. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 38-1285128 · plan 507 · plan year 2024, filed Sep 22, 2025
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How this plan is funded
Funding not settled by the filing
The filing does not report enough to settle how this plan pays for benefits.
Benefits declared on this filing
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 1 insured contract covering life and disability; the largest, with METROPOLITAN LIFE INSURANCE COMPANY, covers 44,412 people.
Reported premium is $35,206,595; the filing discloses no broker commission on these contracts.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
No broker of record is named on the Schedule A. The contracts may be written directly with the carrier, or the broker fields were left blank on the filing.
With 44,825 participants this is one of the larger insured groups on file in MI.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| METROPOLITAN LIFE INSURANCE COMPANY | Life, Disability | 44,412 | Jan 1, 2025 | $35,206,595 | $0 |
Premium and claims on this contract
METROPOLITAN LIFE INSURANCE COMPANY, contract 0011700. For the contract year on this filing, the carrier reported $35,206,595 in premium earned and $31,844,269 in claims incurred. Dividing one by the other gives 90%.
- METROPOLITAN LIFE INSURANCE COMPANY, contract 0011700 reported $3,361,642 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Reported to OSHA
Reported to OSHA for 2025: 5,359 employees, 5 recordable cases, 9 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
How this plan compares
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